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Who is responsible for an accident if you borrow a car?
If I borrow my mom's car and get into an accident, who is responsible for the damage? Would it be her since she owns the car or me because I'm driving?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If you have permission to use someone’s vehicle, you are typically covered under their
car insurance
. Car insurance is normally attached to a vehicle and not a driver. If you are borrowing your mother’s car, her insurance should cover any damages you cause. However, you’ll want to make sure you’re not excluded from coverage if you’re living in the same household.
Additionally, if you’re at fault, you’d still be liable and responsible for any damage you caused in a
car accident
. Should the other driver file a lawsuit, they would file it against you as you were driving. If you borrow her vehicle often, it’s best to see if she can add you as an additional driver. This would ensure you’re covered by her insurance in any situation.”
View full answer
- Gregory R.
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